Deposit Numbers Certificate For Free

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Many 12-month CDs pay around 5% annual percentage yield (APY), and many high-yield, 5-year CDs are in the 4% APY ballpark. At 5%, $10,000 would earn $500 in one year. At 4%, a 5-year, $10,000 CD would yield $2,167 over the course of those five years, based on annual compounding.

Right now, the national average rate for a one-year CD is 1.54%. However, there are many one-year CDs that offer APYs above 4% and 5%.